Debtfree DIGI April 2014 by Debtfree Magazine

South Africaâ&#x20AC;&#x2122;s debt counselling magazine

April 2014 www.debtfreedigi.co.za

Why DC Partner? • National representation - Regular office visits by skilled, trained agents. • Automated e-mails can be sent directly for our system - 17.1, 17.2, Proposals, cascade etc. • Automated client statements per distribution in the form of an e-mail or sms • Daily Distributions on ALL clients

Switch to easy!

• Dedicated account managers for EACH debt counsellor • 24hour access to system, including distributions data - From any PC, Cell phone or tablet with internet access • Individual, dedicated business bank account per debt counsellor • Transparency – Access to all data 24hrs per day • View your bank statements on our system • We will follow up on Default clients, unpaid funds and unidentified deposits • Wide selection of reports available directly from the system

Switch to easy! Gerhard Dyzel gerhard@dcpartner.co.za 082 828 7595 044 873 4532 (ext 126)

Yolandi Meyer pda25@dcpartner.co.za 082 338 2680 012 348 7624

Switch to easy!

Switch to easy! Gerhard Dyzel gerhard@dcpartner.co.za 082 828 7595 044 873 4532 (ext 126)

Yolandi Meyer pda25@dcpartner.co.za 082 338 2680 012 348 7624

Hey

Administrators of the Debt Counselling Process

You take care of your customers,

Joe

!!!

Chec k thi s Out!

CONTENTS

whilst we take care of the administrative and legal challenges associated with the debt counselling process.

Testimonials from our satisfied clients:

EDITORâ&#x20AC;&#x2122;S NOTE

NEWS

CREDIT INFORMATION AMNESTY CONFUSION

DEBT REVIEW AWARDS

COMPETITIONS

ROB EASTON-BERRY

Hi ADCAP Thank you for the reply. The service is excellent, wonderful teamwork! Through your services I am able to focus on grow ing my business. I believe you have the ex pertise in your field. I am looking forward to your guidanc e. Kindest Regards,

Dave

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Why not partner with

ADCAP today?

at thanks and

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Gretli

Visit: www.ADCAP.co.za Call: 086 186 7868

Hey

Administrators of the Debt Counselling Process

You take care of your customers,

Joe

!!!

Chec k thi s Out!

CONTENTS

whilst we take care of the administrative and legal challenges associated with the debt counselling process.

Testimonials from our satisfied clients:

EDITORâ&#x20AC;&#x2122;S NOTE

NEWS

CREDIT INFORMATION AMNESTY CONFUSION

DEBT REVIEW AWARDS

COMPETITIONS

ROB EASTON-BERRY

Dave

rything is

you, heretheveanks to you. m o r f r a e h o it is partially It is good t I can say that going gre

Itâ&#x20AC;&#x2122;s so

easy.

Why not partner with

ADCAP today?

at thanks and

Gretli

Visit: www.ADCAP.co.za Call: 086 186 7868

“ It always seems impossible until it is done” - Nelson Mandela Specialist Attorneys dealing with Debt Review matters Magistrates Court and High Court Matters

EDITOR’S NOTE April begins with a day people traditionally use to play pranks on one another. A popular theory for the origin of April Fools shenanigans is that it relates to those people who continued to celebrate New Year’s Day on April 1st after the 1582 implementation of the Gregorian Christian calendar. What a bunch of fools those non Gregorian calendar refuser users! Phew! It brings a tear to my eye every time. This April began with a bang as we saw the so called Credit Information Amnesty kick in. It might not have been a joke but peoples understanding of what it is and what it means for us on a day to day basis is. We take some time to acquaint ourselves with some of the main points of the “amnesty” in this issue. We catch up on changes at African Bank and RCS in our News section and feature an interview with both a credit provider and a Debt Counsellor in this issue. In our LIVING ON LESS section we look at another way to reduce your vehicle expenses and fuel usage. If you want to save then be sure to check it out. We also have 2 competitions in LIVING ON LESS this month.

TEL 021 913 2514 FAX 0866070940 EMAIL info@liddles.co.za PHYSICAL ADDRESS 7 Chenin Blanc Street, Oude Westhof POSTAL ADDRESS PO Box 3407, tygervalley, 7536

You will have heard (and read last month) that some of the Debtfree team are helping out with the upcoming Debt Review Awards. It is a great initiative and we are happy to be doing our share. People from all over the industry have been chipping in and volunteering. We will be sure to keep our readers up to date as the event draws closer. It is a sign that our industry is no joke and that hard working individuals and companies are saving lives through debt review. If you are a DC or CP helping through debt review then well done! If you are a consumer living on less but paying back your debt then don’t take it lightly, never miss a payment and keep on getting debt free.

“ It always seems impossible until it is done” - Nelson Mandela Specialist Attorneys dealing with Debt Review matters Magistrates Court and High Court Matters

TEL 021 913 2514 FAX 0866070940 EMAIL info@liddles.co.za PHYSICAL ADDRESS 7 Chenin Blanc Street, Oude Westhof POSTAL ADDRESS PO Box 3407, tygervalley, 7536

INDUSTRY

NEWS FLASH

DEBT REVIEW AWARDS

For daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za

RCS gets sold to a French Bank

RCS, a credit provider part owned by Standard Bank and Foschini, has been sold for R2.6 Billion to a subsidiary of BNP Paribas, a French bank. RCS services more than 18 000 different retailers and has a total book of around R5 Billion. Standard Bank who have recently set themselves the goal of expanding their bond market share particularly in the affordable housing market say they see RCS as non essential to their core business and can use the capitol to boost other parts of their operation. Foschini say they will put the funds back into the group and this will help boost their balance sheet. It seems to be working as their share price went up significantly after the announcement. The sale comes at a time when most retailers and banks are reducing their unsecured credit lending. Around 25% of RCS business is in personal loans and the rest is credit card related. The deal will see Foschini make R1.4 Billion and Standard Bank R1.2 Billion.

This year will see the hosting of the first annual debt review industry Awards. Hard work by Debt Counsellors, Credit Providers and PDAs will be recognised at the Debt Review Awards Gala where awards will be handed out to winners. The Gala will be held in July in Cape Town. For more info head over to: http://debtfreedigi.co.za/debt-review-awards/ Professor Frans Haupt recently said of the Debt Review Awards: â&#x20AC;&#x153;This is a great initiative and can contribute beyond just giving recognition to individuals and juristic entities to promoting professionalism in and the debt counselling process itself.â&#x20AC;?

Administrators of the Debt Counselling Process

You take care of your customers,

Hey

CONSUMER

Joe

!!!

Chec k thi s Out!

whilst we take care of the administrative and legal challenges associated with the debt counselling process. insurance done right

up the post at African Bank Debt Review Department.

Your Debt Counselling Quarterly Report is due by May

If you are a Debt Counsellor you need to submit your form 42 quarterly report (1 Jan - 31 March) to the NCR soon: dcreturns@ncr.org.za

NCR Review their Debt Counsellor Monitoring Process

The National Credit Regulator (NCR) visits Credit Providers and Debt Counsellors country wide each year to ensure that certain levels of professionalism are met by registered individuals and companies. The visits are called monitoring visits. When visiting Debt Counsellors, in particular, the NCR use a quick reference sheet or checklist of points to cover. This is called the NCR monitoring tool. It sets out which items should be considered. Recently some Debt Counsellors complained about Changes at African the way visits were conducted and actually refused to co-operate with the process until it Bank Debt Review Debt Counsellors recently had to say farewell was reviewed. The NCR have been calling for to African Bank Debt Review Manager comments on a revised monitoring tool over Muhammed Laher. Muhammed was well liked the past few weeks. They have now announced and attended many debt review functions that changes are being made and that an effort across the country. Muhammed has now will be made once these changes are in place moved to work with legal firm Ismail & Dahya. to conduct workshops with Debt Counsellors This month saw Llewellyn Emanuel taking countrywide about the monitoring process. If

INDUSTRY

NEWS FLASH

DEBT REVIEW AWARDS

For daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za

RCS gets sold to a French Bank

Administrators of the Debt Counselling Process

You take care of your customers,

Hey

CONSUMER

Joe

!!!

Chec k thi s Out!

whilst we take care of the administrative and legal challenges associated with the debt counselling process. insurance done right

up the post at African Bank Debt Review Department.

Your Debt Counselling Quarterly Report is due by May

If you are a Debt Counsellor you need to submit your form 42 quarterly report (1 Jan - 31 March) to the NCR soon: dcreturns@ncr.org.za

NCR Review their Debt Counsellor Monitoring Process

NEWS CONT. you would like to comment on the proposed monitoring tool or improvements you would like to see made you can download it here http://debtfreedigi.co.za/wp-content/ uploads/2014/04/NCR-DC-MONITORINGTOOL-2014.docx and send comments to Morris Malululeke at the NCR here: mmaluleke@ncr.org.za

Pre-Order your Update Amended National Credit Act

insurance done right

With changes to the NCA coming it is time to pre order your revised NCA booklets. Pre order them now so that you are not caught making mistakes in your court documents or letters: http://debtfreedigi.co.za/product/pocketsized-national-credit-act-booklet/

DCASA Conference

Call us 086 126 6562 Marijke Wessels Portfolio Manager, Gauteng, KZN & Free State Mobile 082 729 3833 Email marijke.w@one.za.com Sam Haasbroek Portfolio Manager, Western, Eastern Cape & Northern Cape Mobile 082 550 7294 Email sam.h@one.za.com

www.one.za.com One is an authorised financial services provider â&#x20AC;&#x201C; FSP 8783

The Annual DCASA members Conference will be held in August this year. They report over 70 seats already booked for the event.

NCR Consumer Credit Report

Each quarter the NCR releases statistics about consumer credit. Recently the NCR released new statistics for the time around the end of 2013. The latest report is now out. Some of the highlights are that more consumers (350 000 new consumers) are now getting access to credit and that another 171 000 consumerâ&#x20AC;&#x2122;s accounts are now significantly behind on payment as they are no longer able to keep up to date with payments. South Africa now has 9 760 000 consumers who are in financial trouble and cannot pay their accounts timeously.

This has been a common thread through all recent reports. More consumers getting access to credit and more consumers not able to pay their credit. Essentially this means more and more people are crossing the line into over indebtedness. These consumers desperately need to seek assistance to resolve their situation. Seeing this the NCR have begged consumers to try live within their means. Basically they are asking consumers not to make use of credit to elevate their standard of living. During the last 3 months of 2013 (compared to Dec 2012) credit providers handed out around R1.45 Billion in new credit. The report also showed that more people than ever have been asking for (but not all getting) new credit. Interestingly there was less short term credit granted as many credit providers have started to reduce their risk in this area after years of exponential growth in this portion of the credit market. The banks own 85% of all the Trillions of Rands owed in the market. You can download the NCR Consumer Credit report here: http://debtfreedigi.co.za/wpcontent/uploads/2014/03/NCR-ConsumerCredit-Market-Report-dec-2013.pdf

Credit Information Amnesty begins

As of the 1st of April 2014 the regulations in regard to the Removal of Adverse Consumer Credit Information and Information Relating to Paid Up Judgments came into effect. Read more about it in this issue.

Credit Information Amnesty Confusion

Pre-Order your Update Amended National Credit Act

insurance done right

DCASA Conference

www.one.za.com One is an authorised financial services provider â&#x20AC;&#x201C; FSP 8783

The Annual DCASA members Conference will be held in August this year. They report over 70 seats already booked for the event.

NCR Consumer Credit Report

Credit Information Amnesty begins

Credit Information Amnesty Confusion

South Africa’s largest Debt Counsellors

DON’T WORK WITH AN OUT DATED VERSION OF THE ACT

2014

With the National Credit Amendment Bill the National Credit Act is changing. Make sure you have an up-to-date copy of the National Credit Act. Pre-order your Revised National Credit Act Booklets now

ORDER NOW http://debtfreedigi.co.za/product/pocket-sized-national-credit-act-booklet/

South Africa’s largest Debt Counsellors

DON’T WORK WITH AN OUT DATED VERSION OF THE ACT

2014

With the National Credit Amendment Bill the National Credit Act is changing. Make sure you have an up-to-date copy of the National Credit Act. Pre-order your Revised National Credit Act Booklets now

ORDER NOW http://debtfreedigi.co.za/product/pocket-sized-national-credit-act-booklet/

CREDIT INFORMATION AMNESTY CONFUSION Confusion over the so called Credit Amnesty is rife at the moment. Does it confuse you? Well don’t feel alone. It seems that hardly anyone knows what this amnesty means.

One Debt Counsellor said of consumers he visited that they told him that they heard on tv news (on SABC1) that the government is going to “grant them amnesty” and they will no longer be “obliged to pay their debts”. To their understanding this credit amnesty means their debts will be written off or “cancelled”. Others claim it is all just a huge political campaign to gain votes from consumers prior to the elections but is actually “meaningless”. It is not only consumers who are confused. One irate consumer says: “ I contacted Transunion and spoke to two of their agents on different days. They both told me that the “Slow-payer” mark will not be removed on my credit profile before two years even if I settled the account. Their implication was that, credit amnesty does not apply to those marked as “slow payers”. It seems that even the staff of well known and respected credit bureaus are confused about what the amnesty means. Why consumers are confused The word amnesty is being used by politicians and the media, which is a very misleading word. It implies that some debt might be written off or pardoned. This is simply not the case at all. The new regulation which (unfortunately) came into effect on April 1st 2014 effects only information shown on credit bureaus and not the actual debts themselves. So why use the word amnesty? Who knows? It was clearly a poor decision based on all the confusion it has caused. What is the Amnesty and how will it effect you? The new regulation is actually called the Removal of Adverse Consumer Credit

information and Information Relating to Paid Up Judgments. The regulation calls for credit bureaus and credit providers to work together to firstly remove any nasty seeming descriptions on your credit bureau reports and then to secondly remove any information about past judgments which you pay off straight way on an ongoing basis in the future. Will my old debts be written off? NO Will I still have to pay my debts? YES If I got a judgment against my name will it be removed from my credit report? Only if you pay up the debt. Once you do pay up the debt though, it will automatically be removed from your credit bureau report rather than you having to have it removed yourself. What if I only pay off the Judgment in a years time - will it be removed then? Yes, This regulation will stay in effect for years to come. If you pay up the debt then the record of the judgment will be removed for you. What information will be removed from my credit bureau report? Words like” Slow Payer” or “delinquent” or “handed over to collections” will no longer be shown. The government feel this makes people think you are a bad person rather than just a bad payer. Any funny marks (which indicate negative things about how consumers pay) will be removed. Information about past judgments that are now paid up will be removed straight away instead of sitting there for years and years.

ACCOUNTING Is this a good thing? While some creditors feel it will make it harder for them to see if someone has in the past been bad at paying or honouring their debts it will no doubt help when people who are unfamiliar look at your bureau report in the future. For example, a rental agent or prospective employer. If they know a bit about credit reports they will still see whether you are paying each month but at least there will not be any nasty description which call your character into question. Also the fact that some creditors will not be scared off by past judgments (which you have paid off) which they will no longer be able to see on your report will help some consumers get credit who before might not have appeared reliable.

TAX

AUDIT

CONSULTING

CREDIT BUREAUS TransUnion – 0861 482 482 Experian S.A – 0861 105 665 Xpert Decisions Systems – (011) 645 9100 Compuscan – 0861 514 131 Consumer Profile Bureau – 010 590 9505 CreditWatch (Pty) Ltd – 011 483 0086 Crosscheck Information Bureau (Pty) ltd (previously MLCB) – 0105 909 505 Inoxico – 010 001 0540

telephone +27 (0)21 462 7533 email info@wcca.co.za www.wcca.co.za

LexisNexis – 011 245 6500 Read more articles on the amnesty here: http://debtfreedigi.co.za/credit-informationamnesty-april-fools-day-joke/ http://debtfreedigi.co.za/creditamnesty-forthose-under-debt-review-too/ http://debtfreedigi.co.za/credit-amnestylearning-from-the-past/ http://debtfreedigi.co.za/credit-amnestyconfuses-consumers/

Managed Integrity Evaluation (Pty) Ltd – 012 644 4000 Robertsons International Reports (Pty) Ltd – 011 777 4000 Tenant Profile Network (Pty) Ltd – 086 187 6000 Tenant Watch Business Activities (Pty) Ltd – 011 394 6828

You can download the new regulations about the removal of adverse consumer credit information here: http://debtfreedigi.co.za/wp-content/uploads/2014/02/Gov-notice-DTI-26-Feb2014-removal-of-adverse-consumer-credit-info.pdf

All professionals have professional indemnity if the unforeseen happens. Do you as a professional Debt Counselor have professional indemnity as stipulated by the ethical code?

0861 112 882 TELEPHONE 0861 112 882 FACSIMILE 086 605 9751 MOBILE 082 449 6856 EMAIL andre@in2insurance.co.za

www.in2insurance.co.za

TAX

AUDIT

CONSULTING

telephone +27 (0)21 462 7533 email info@wcca.co.za www.wcca.co.za

All professionals have professional indemnity if the unforeseen happens. Do you as a professional Debt Counselor have professional indemnity as stipulated by the ethical code?

0861 112 882 TELEPHONE 0861 112 882 FACSIMILE 086 605 9751 MOBILE 082 449 6856 EMAIL andre@in2insurance.co.za

www.in2insurance.co.za

CONSUMER

LIVING ON LESS

Nillionaire adj. Someone having little to no money.

Times are tough and we all need to make our money stretch these days. As the cost of living increases it seems that, come the end of the month, there is always a little less cash left to enjoy life with. The Living on Less is a section of Debtfree DIGI which looks at ways wise consumers can keep their living expenses down and save funds. We also consider ways to still have some fun for less. Living on Less is about spotting a great deal and letting others know. Itâ&#x20AC;&#x2122;s about changing our mind set to reflect the reality that times are tough and we need to get savvy. Sure times are tough but you can still have fun while Living on Less.

GET IN LINE AFFORDABLE TYRES COMPETITION HINTHUNT- COMPETITION Posters available at http://debtfreedigi.co.za/product/nillionaire-poster/

CONSUMER

LIVING ON LESS

Nillionaire adj. Someone having little to no money.

GET IN LINE AFFORDABLE TYRES COMPETITION HINTHUNT- COMPETITION Posters available at http://debtfreedigi.co.za/product/nillionaire-poster/

INDUSTRY

CONSUMER

Having your wheels aligned can save you money and even your life What is wheel alignment? Basically wheel alignment is simply adjusting the angles of your vehicles’ wheels so they are parallel to the other tyres and perpendicular to the ground. Many companies offer the service but often drivers hesitate to have it done. It is important to recognise that there are many benefits to having your wheels aligned.

GET IN LINE When consumers become financially stressed they often have to begin prioritising. It makes much more sense to have food on the table than DSTV. But sometimes you realise that something important needs to be done and yet the funds are not there. This can even endanger your life. Take vehicle maintenance. We all know it is important to have tyres with

tread and good breaks on a car but when cash is tight we may simply keep putting it off longer and longer. We look at one way you can keep your tyres in good condition for longer so you can delay the cost of having to replace them.

A safety benefit that people often do not consider is that properly aligned tires achieve ‘maximum traction’ on slippery road surfaces which can be very important when driving in less than ideal conditions. Driving benefits When you wheels are aligned you will also notice that your vehicle will drive more smoothly.

How do you know if you need a wheel alignment? Some normal signs that something is not Financial benefits Properly aligned tires will track straight and true, 100% is when you begin to feel a vibration at which helps greatly with fuel consumption. higher speeds or feel the car pulling to one It has something to do with what they call side meaning you have to constantly adjust. “rolling resistance”. This has to do with how If you notice that your tyres are not wearing hard your car has to work or how much fuel it evenly, then your wheel alignment needs to has to burn in order to move forward. We all be checked know that fuel is constantly going up and up in price. This is something you can do to reduce Aligning your tyres means replacing them less your fuel costs over time. Properly aligned often. It is a case of a little money spent now wheels also maximize the lifespan of tyres. to reduce the need to spend more later. Don’t This means they last longer in better condition. ignore the warning signs. Get in line. Changing tyres can set you back a lot of money all in one go. Money you probably don’t have right now. Aligned tyres ensure less wear and tear on other parts of your car too. Having the wheels out of alignment can be stressful on the steering system in order to keep the car straight, and when you brake you often feel the car pull even more sharply, meaning that the brakes are needing to work harder on one side than the other. Safety benefits A properly aligned tyre will not pull to the right or the left when you are driving or braking.

INDUSTRY

CONSUMER

WESTERN CAPE

donâ&#x20AC;&#x2122;t be a twit

COMPETITION: GET IN LINE Get you wheels aligned and save in the long run. Our good friends at Affordable Tyres want to help you save money and keep your tyres going longer. This month they are offering our Western Cape readers the chance of winning a wheel alignment for their car. Affordable tyres are giving away 5 free wheel alignments to 5 of our readers. All you need to do is head over to their website http://www.affordabletyres.co.za/ and tell us: What 6 unique add-ons do Affordable tyres offer? http://www.affordabletyres.co.za/ Send your answer to competition@debtfreedigi.co.za Affordable Tyres prides itself in quality products and excellent service and offers what their name describes. They deal with AFFORDABLE branded premium tyres and exhausts as well as AFFORDABLE imported premium tyres and wheels at Affordable prices. Be sure to check out their great prices which can ensure you can afford to change those tyres before they become a danger to you, your family and others.

TERMS & CONDITIONS The Prize is for five different readers to have a wheel alignment done on one car. Transport to the prize service venue is at the winners own cost. Prize location is in Parow Cape Town. Debtfreeâ&#x20AC;&#x2122;s choice of winners is final. Winners will be notified via email. No correspondence will be entered into in this regard. Debtfree accepts no liability. Prize valid for 2 months from date of announcement. Prize is non transferable. Winners may be required to provide feedback to Debtfree DIGI for promotional purposes. Prize cannot be exchanged for money.

http://twitter.com/Debtfree_DIGI

WESTERN CAPE

donâ&#x20AC;&#x2122;t be a twit

http://twitter.com/Debtfree_DIGI

WESTERN CAPE too much to ensure the mystery is preserved, this was challenging enough to ensure a good time, and great fun, I would recommend to anyone who wants an exciting (sometimes frantic when the timer is ticking down) way to spend an hour.” If you are in the Cape Town area and would like to work your brain and have some fun as a group why not enter our competition and win one of two group prizes. All you need to do is head over to their website (http://hinthunt.co.za/) and practice your skills by finding the answer to this question:

Have you heard about Hint Hunt? Everyone is clock to break out”. talking about it. Some comments from people who have been to HintHunt What is it? HintHunt® is a live ‘escape game’, designed for “Got the brain working and great fun had by small groups of 3-5 people. What happens is all.” that you get 60 minutes to climb a mountain of puzzles and mysteries in a small room. (If you “It’s the most challenging escape game we are clostrophobic this may not be the game for have ever done. We really enjoyed it! and the you.) Figure out each clue to help you unlock staff are very nice.” the next etc till you figure out how to leave the room. The goal is simple yet challenging: get “We solved it 2 minutes before the gong and out in time! Else ... you could be trapped inside went away VERY HAPPY” forever! “Friendly staff greet and give you a brief The organisers say:” During this engaging and introduction, before you are let into your room challenging game team members truly live and (John Monroe’s Office). You have an hour to breathe in union for an hour, racing against the solve the mystery and escape. Whilst I won’t say

Question Is there an age limit? Your answer can be sent to: competition@debtfreedigi.co.za

TERMS & CONDITIONS The Prize is for two different readers to go to a single session at HintHunt in Cape Town. Winners can take up to 5 friends with. Transport to the prize venue is at the winners own cost. Prize location is in Woodstock, Cape Town. Debtfree’s choice of winners is final. Winners will be notified via email. No correspondence will be entered into in this regard. Debtfree accepts no liability. Prize valid for 2 months from date of announcement. Prize is non transferable. Winners to coordinate times with HintHunt directly. Winners may be required to provide feedback to Debtfree DIGI for promotional purposes. Prize cannot be exchanged for money.

Question Is there an age limit? Your answer can be sent to: competition@debtfreedigi.co.za

DEBT COUNSELLOR PROFILE

ROB EASTON-BERRY Debtfree DIGI recently had the chance to meet with Consumer Friend’s Rob Easton-Berry. Consumer Friend help various credit providers such as Woolworths, Truworths, the now French owned RCS and others with their debt review process. We got to ask Rob a few questions about his background, company and future plans.

Can you tell us a bit about your back ground? I grew up in Durban and Pietermaritzburg . I studied B.Comm LLB at the University of Kwazulu-Natal , completed my articles in Pietermaritzburg and was admitted as an Attorney in 1990. Shortly after that I worked for 2 years as a State Prosecutor before moving to Durban and opening my own practice.

and was a pre-cursor to debt counselling. With the advent of the NCA, I decided to change tack and offered a backend solution to credit providers.

Can you tell us about Consumer Friend? Consumer Friend was formed in 2004 to facilitate debt rehabilitation. As mentioned above , we subsequently moved into the space of offering an outsource service to credit Why the hyphenated surname? The origin of my hyphenated surname is providers which we practice to date. Our headamusing. Our family name was Berry, but office is based in Stellenbosch but much of our during World War 2 my grandfather`s post operations are run out of the Durban office. kept getting lost in Durban due to the fact Our staff compliment has grown to about 180 that there were a number of Berry families. He people. decided to solve this by adding another of our family names,” Easton” to our surname and What would you say is your business hence the double-barrel. At least we know that philosophy? We have a passion to help people. What better we are the only ones! way to do this then in the Debt Review space Can you tell us about your other slightly more where peoples livelihoods are at stake. We made a conscious decision to get involved recent work experience? Having practiced credit law for 18 years I saw in every aspect of this industry to ensure its the need to restructure debt holistically and wellbeing and survival. Following on from began what we called “debt rehabilitation” . This this we strive to give the best possible service happened before the NCA was promulgated to both our clients and debt counsellors,

DEBT COUNSELLOR PROFILE

and was a pre-cursor to debt counselling. With the advent of the NCA, I decided to change tack and offered a backend solution to credit providers.

our success lies in the fact that our system runs parallel to that of our clients. It runs a “debt review “ balance whilst our clients continue to What advice do you have for Credit Providers run their contractual balance and this makes for easy reconciliation when determining end about the Debt Review Process? Embrace Debt Review. It is here to stay and or exit balances. in these challenging economic times it is fast What are your future plans for Consumer becoming a viable alternative to collections Friend? To strive to do things better. Continue to What advice do you have for consumers about innovate and try to make a difference in the Debt Review Process? You are of a privileged nation. No other Industry. country in the world offers a holistic solution whereby both secured and unsecured debt are Where do you see the debt review industry restructured together. This process is intended going over the next few years? to assist you through times of financial trouble I expect a substantial increase in debt review with a view to you becoming economically numbers over the next 3-5 years. Economic active consumers again. Through this process growth drivers are exhausted. The Fed has to your house and vehicle will be protected accelerate its tapering program, interest rates thereby preserving both your dignity and are starting to come off a 40 year low and the your security . Don’t abuse the process, pay weak Rand is importing inflation. To top it all your restructured instalments timeously and the resource boom ( which historically comes comply with all you debt counsellors requests around every 20 years) ended 2 years ago and . In this way you will pave your way to financial manufacturing remains sluggish. Credit growth has also slowed, partly due to regulation and freedom. partly due to unsecured lending coming off What advice do you have for DCs about the its highs. All of this leads me to believe that household budgets will be stretched and Debt Review Process? Fight the good fight! This industry is not for the consumers will increasingly seek the sanctity faint hearted but rewards those who persevere. of debt review. Bare in mind that this industry has come a long way since 2007 and will continue to do so with Do you feel the current amendments to the NCA are enough? Will they have a positive large strides being made by CIF and the NCR. effect? Your company is well known for its There are some positives. I do feel however that sophisticated software which seems to more amendments are necessary, particularly enable you to do what many other very large in the form of emolument attachment credit providers (even banks) can’t do. Tell us orders to secure payment of the restructured instalments. If credit providers make all the more about the system, its origins etc. We developed our own software but moreover concessions by reducing interest rates and something which requires ongoing evaluation and improvement.

extending repayment terms , then consumers should at least be bound to pay by way of a secure mechanism. What is also causing some consternation in the industry is the moratorium against exiting consumers from debt review once a matter has been set down in court. No provision has been made for situations where the consumer is not paying and this could well be open to abuse, particularly were court dates are extended due to adjournments or crowding out. What is your view on the controversial and very misunderstood credit information amnesty? It is concerning ! The last time this happened there was an spike in delinquencies. You are busy with many different aspects of the industry. Can you tell us some of the other debt/credit related projects you are busy with? (eg. CIF, recent submissions to DTI and NCR re amendments etc) I represent the fashion retailers on CIF and on the National Industry Steering Committee and am involved in various sub-committees emanating from these. I have made a number of submissions to the DTI and the NCR with regards amendments to the NCA. What are your personal goals for the next few years? What would you like to do? I believe we all have a calling in life and it is from this we derive our passion . Mine is helping people through Debt Review and for this reason I would like to see a functional and seamless industry evolve. In the near future my contribution will be serving on CIF subcommittees to help play a part in resolving

ongoing issues between industry players. If you want to know more about Consumer Friend please head over to their website: http://www.consumerfriend.co.za/

donâ&#x20AC;&#x2122;t be a twit

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NAME: Petro de Beer AREA COVERED: Cape Town (& KZN in the near future) CONTACT DETAILS: 083 613 9826 FAVOURITE FOOD: Red wine & chocolates I have gained a positive insight into the debt review market, and truly believe that Debt Counsellors play a integral role in supporting SA consumers through this troubled economic time to regain their lives, with the help of the debt review process. I am proud to work for DC Partner who is a credible, accredited PDA and I am looking forward to working in the debt review field alongside our clients and all parties involved.

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Debtfree spoke to KZN Debt Counsellor Martin Snyman about his views on the industry, recent changes to the NCA and DC associations.

Martin Snyman KZN Debt Counsellors Pty Ltd Telephone: 032 596 3597 Email: martins@kzndebt.com

In your view how have things recently improved in the industry? The last few months have seen long awaited legislative changes to the National Credit Act published and broadcasted in the media. We saw the adoption of the National Credit Bill by parliament and Adverse information Amnesty [regulation]. I believe the victories that the consumers and DCs have achieved in these two milestones, was paved by hard work and dedication of all role players in the industry and in our case, contributions and submission made by DC associations. Only one association, however, was representing all Debt Counsellors at industry forums for the most part over the years... This was noted by the NCR during last year and the Credit Industry Forum was created to involve all role-players in the Credit Industry to find solutions to the implementation of operational challenges. Both the Alliance of Professional Debt Counsellors (AllProDC) and the Black Debt Counsellors Forum (BDCF), were also invited by the NCR to join the CIF forum.

Do you feel belonging to an association is important for Debt Counsellors? Over the past 5 years I have been practising as a DC in KZN and belonged to an association. During this period I participated in the associations’ activities and got to know many DCs personally. As a regular contributor to different Forums, meetings and conferences, I have learned a lot about the challenges as well as successes the DC industry experience. The DC industry has small sized, medium and large Debt Counsellor firms, all contributing to the success of the industry in their own way. The different size [practices] also experienced different challenges … I believe that it is these shared challenges and successes that bind people together and cause us to associate with each other to pursue shared goals and objectives. As Lance Armstrong said: “Anyone who imagines they can work alone winds up surrounded by nothing but rivals, without companions. The fact is, no one ascends alone.”

Any particular reasons? In my opinion, the difficulties that a large number of practising Debt Counsellors experience have not been heard in the past at Industry meetings, e.g. Task Team etc., and the opportunity is now created for such Debt Counsellors to have their voice heard directly at the CIF. I believe I can better contribute to this voice by changing association. Any hard feelings? None whatsoever. The Credit Industry is vibrant and the Debt Counselling Industry still developing. I have only the biggest respect and admiration for my previous association and the work that was done by them in the Industry. What do you hope to achieve/do/get from your new association? To find a home where my voice is heard, to support fellow members of the association in building their debt counselling practices and participate in the development of our Industry.

We heard you might be changing DC Any advice for other DCs out there? Perhaps the time has come for each Debt Associations... is this true? Yes that is true. Counsellor to revisit their views on the development of the industry and to let their Where are you going? I have been involved with discussions with voice be heard. the other associations and recently joined [the Alliance of Professional Debt Counsellors].

Debtfree spoke to KZN Debt Counsellor Martin Snyman about his views on the industry, recent changes to the NCA and DC associations.

Martin Snyman KZN Debt Counsellors Pty Ltd Telephone: 032 596 3597 Email: martins@kzndebt.com

DEBT COUNSELLORS ASSOCIATIONS ANNOUNCEMENT BOARD

APRIL

NEWSLETTER 24 April: DCASA Eastern Cape venue to be confirmed. 13 May: DCASA NEC Meeting (NEC Members only). 16 May: KZN Branch Meeting Westville Country Club. 21 May: Gauteng Branch Meeting Venue to be confirmed. 20 August: DCASA Annual Conference Emperorâ&#x20AC;&#x2122;s Palace For more information on meetings in your area, contact DCASA at 086 143 2272 or e-mail dcasa@dcasa.co.za.

www.dcasa.co.za

Our recent meeting with Bayport addressed rule 103(5), garnishee orders & interest rates. We met with FNB re:the importance of finding a solution for the changing of account numbers. Solutions are being investigated. Meeting with Lewis- all DCâ&#x20AC;&#x2122;s are invited to send complaints to amostert@bdcf.co.za

NewERA is one of the largest watchdog organisations in the country With 160,000 active subscribers. We expose corrupt bankers, lawyers, politicians and corporate systems who are milking this country for their own greed. Donate: http://news.newera.org.za/bf.php?f id=911&id=a49a75c242178efb Join: http://news.newera.org.za/bf.php?fid= 909&id=a49a75c242178efb www.newera.org.za

The Alliance of Professional Debt Counsellors is proud to be supporting the Debt Review Awards. We will be attending and contributing to the awards process. We welcome our new NEC representitives (see our newsletter for more info)

Please comment on the NCR monitoring tool. Issues with CPs can be sent to amostert@bdcf.co.za.

www.bdcf.co.za

www.allprodc.org

Credit Industry Forum - update End Balance differences continue to be a problem for our members and thier clients. We are working hard on this issue as we feel current the proposals made do not meet the needs of our members or clients. We are also busy with submissions on other Credit Industry Forum matters. We are particularly pleased that our representitive has managed to get the topic of Section 103(5) of the NCA. THis section has largely been ignored over the years as various creditor bodies have different opions about when the date of default is. Members are asked to make submissions in regard to the application of NCA Section 103(5) before the first of May (01/05/14). We urge all members to get involved in this one as it has huge ramifications. New NEC members Two new members have joined our team of volunteer members on the National Executive Committee First off we welcome Zune Coetzer to the NEC. She will be representing the Free State. We also welcome Martin Snyman. He will be representing KZN. His experience and input is of great value to us. We want to say a big thank you to all our NEC members who work so hard on our behalf.

The Online Forum In many ways the forum began it all for us at AllProDC. We have found recently with the use of the Facebook page that the forum has taken something of a back seat. We will now be relaunching the webforum in weeks to come. Be sure to visit and post. Debt Review Awards Debt Review continues to become more and more professional. We are very happy that our industry will now have the chance to recognise the hard work of all parties in making debt review work. As an association we are supporting and contributing to the Debt Review Awards. Members will get to have their say about candidates for nomination and might be up for nomination themselves. We will feature more information about how our members can do so on the Facebook page and Forum. Nedbank AllProDC attended the Nedbank workshop and found it to be very positive. It is good to see that Nedbank is actually interested in trying to encourage settlement through the debt review process. Nedbank acknowledge that debt counselling is the best collections method for banks possible! Our members have some concerns they wish to raise with Nedbank which we will assist them in doing.

CONTACT DETAILS FORUM: www.debtconcern.webs.com / WEBSITE: www.allprodc.org / FACEBOOK: www.facebook.com/AllProDC / TWITTER: www.twitter.com/AllProDC

DEBT COUNSELLORS ASSOCIATIONS ANNOUNCEMENT BOARD

APRIL

www.dcasa.co.za

Please comment on the NCR monitoring tool. Issues with CPs can be sent to amostert@bdcf.co.za.

www.bdcf.co.za

www.allprodc.org

CONTACT DETAILS FORUM: www.debtconcern.webs.com / WEBSITE: www.allprodc.org / FACEBOOK: www.facebook.com/AllProDC / TWITTER: www.twitter.com/AllProDC

SERVICE DIRECTORY DEBT COUNSELLING AA Debt Counselling Centre Anthea Johannes NCRDC531 Tel: +27 (0) 21 982 0522 Cell: +27 (0) 84 402 7032

Financial Synergy Group Credit Awareness & Rescue Services DEBTINC 0861 20 21 20 enquiry@debtinc.co.za Financial Planning & Growth CONFIDO 022 713 20 21 planning@financialsg.co.za Legal 012 643 1423 legal@financialsg.co.za Employer Group & Wellness Services 012 643 1423 wellness@financialsg.co.za

Alan Watts NCRDC 962 NCR registered Debt Counsellor Tel: 084 4448439 Fax: 086 6501954 alan@active-debt-counselling.co.za www.active-debt-counselling.co.za

Cape Debt Clinic Your Guide to Financial Wellness and Recovery Karin Augustyn 021-828-2658 073-903-6942 karin@capedebtclinic.co.za https://www.facebook.com/pages/ Cape-Debt-Clinic Central SA Debt Counsellors 082 950 7806 Fax: 086 563 1621 Consumer Assist Tel: 0861 628 628

Call Centre Services 0861 20 21 20 reception@financialsg.co.za Credit Matters South Africa’s Largest Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197

Fax: 021 425 6292 info@creditmatters.co.za CS Debt Counselling Bernidene Smith NCRDC 764 057 352 4115/352 5000 Welkom - Free state Darran Manikam NCRDC704 debt@mailbox.co.za

Debt Budget MAXIMISE YOUR LIFE, MINIMISE YOUR DEBT Bruce Leslie Borez Registered Debt Counsellor NCRDC1643 48 Church Street “Medical Mews” Wynberg, Cape Town Tel: 021 824 8885/021 820 4946 Fax: 086 607 6429 www.debtbudget.co.za

DebtSenseGroup

For Professional, Responsible and Effective Debt Restructuring Services

John Harvey NCRDC 1370 Newcastle – KZN Tel: 034 312 1767 Fax: 034 315 3441 Email: debtsense@newcastle.co.za Web: www.debtsensegroup.co.za Debt Solve Debt Counsellors Office: 033 397 0945 DebtSafe 0861 100 999

Debt Serious We are serious about debt Vida Scheepers NCRDC1792 Po box 394, Garsfontein, Pretoria 0042 Fax no: 086 553 9403 vscheepers@mweb.co.za

Debt Therapy Hans Pettenburger-Perwald NCRDC49 Tel: +27(0) 21 556 4935 Fax: +27(0) 21 556 4937 Toll Free: 0800204728 Cell: 0823358232 www.debt-therapy.co.za Email: info@debt-therapy.net Debt Rehab Colleen Van Wyk(BCom, LLB) Debt Counsellor NCRDC2619 Tel: 083 290 0848 Tel: 011 740 7374 Fax: 086 716 9694 Debt eezy Your Debt Solution made Easy Ashley Carstens NCRDC858 Tel: 021 839 2809 Fax: 083 512 4160 / 086 665 9125 Email: debt.eezy@gmail.com Website: www.thedci.co.za

Debt Rescue Neil Roets NCR DC 474

Cell: 083 644 7406 Tel: 0861 800 009 Fax: 086 523 0617 E-mail: admin@debtrescue.co.za www.debtrescue.co.za

The best angle to approach debt is the Triangle Caledon - Western Cape Contact Person: Yolande 8 Hoop Street, 7230 Caledon caledon@triangletrust.co.za Tel: 028 212 2537

Debt Management & Counseling Services “The greatest glory in living lies not in never falling, but in rising every time we fall.” - Nelson Mandela Derry Burge NCRDC108 140 Irene Avenue, La Concorde, Somerset West, 7130 Tel: 021 855 5997 Cell: 074 177 5375 Fax: 021 855 1195 or 0865413200 E-mail: dburge@telkomsa.net Durban Debt Counselling Services Suite 112, 1st floor Union Club Building 353 Sm ith Street Durban, 4001 Tel: 031 301-7893 Fax: 031 301-5809 phumla.ngema@telkomsa.net

Ceres - Western Cape Leyll str 61, 683 Ceres andre@triangletrust.co.za Tel: 023 312 1292 Fax: 023 312 2119 Worcester - Western Cape 71 Porter Street 6850 Longitude: 19.44305 Latitude: -33.64942 worcester@triangletrust.co.za Tel: 0233420576 Fax: 086656801 Bloemfontein - Free State 94 Zastron, 9301 Bloemfontein Contact Person: Yolande bloemfontein@triangletrust.co.za Tel: +27 51 448 2828 Fax: +27 51 447 9481 Viljoenskroon - Free State 35 Denyssen Street, 7230 Contact Person: Johann Olivier viljoenskroon@triangletrust.co.za Phone: +27 56 343 0352 Fax: +27 56 343 035 Welkom – Free State 329 Stateway, 9460 Welkom Contact Person: Susan Roux Email: welkom@triangletrust.co.za Tel: +27 57 352 6117 Fax: +27 57-352 2355

SERVICE DIRECTORY DEBT COUNSELLING AA Debt Counselling Centre Anthea Johannes NCRDC531 Tel: +27 (0) 21 982 0522 Cell: +27 (0) 84 402 7032

Alan Watts NCRDC 962 NCR registered Debt Counsellor Tel: 084 4448439 Fax: 086 6501954 alan@active-debt-counselling.co.za www.active-debt-counselling.co.za

Call Centre Services 0861 20 21 20 reception@financialsg.co.za Credit Matters South Africa’s Largest Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197

Fax: 021 425 6292 info@creditmatters.co.za CS Debt Counselling Bernidene Smith NCRDC 764 057 352 4115/352 5000 Welkom - Free state Darran Manikam NCRDC704 debt@mailbox.co.za

DebtSenseGroup

For Professional, Responsible and Effective Debt Restructuring Services

Debt Serious We are serious about debt Vida Scheepers NCRDC1792 Po box 394, Garsfontein, Pretoria 0042 Fax no: 086 553 9403 vscheepers@mweb.co.za

Debt Rescue Neil Roets NCR DC 474

Cell: 083 644 7406 Tel: 0861 800 009 Fax: 086 523 0617 E-mail: admin@debtrescue.co.za www.debtrescue.co.za

The best angle to approach debt is the Triangle Caledon - Western Cape Contact Person: Yolande 8 Hoop Street, 7230 Caledon caledon@triangletrust.co.za Tel: 028 212 2537

SERVICE DIRECTORY Help-U-Debt (Potchefstroom) Madra 083 390 3275 Fair Finance Solutions Your debt is our priority Amanda Fair Registered Debt Counsellor NCR946 553 Jacqueline Drive Garsfontein Pretoria Tel: 0861 26 26 32 Fax: 082 921 7093 Cell: 086 564 3674 amanda@fairdebtcounselling.co.za www.fairdebtcounselling.co.za Fincorp debt Counsellors cc Cecilia Zwarts fincorpdc@yahoo.com

Finesse Debt Counsellors NCR Registration No: DC1262 Address: 478 Windermere Road, Morningside, Durban, 4001 Phone: 031 209 2356/ 084 250 2356 / Fax: 086 5732433 e-mail romie@debtfinesse.co.za www.debtfinesse.co.za

Help-U-Debt (Parys) Marilouise 082 920 6249 Help-U-Debt (Vanderbijlpark) Herma 083 320 8303 Incentive Debt Counselling “Paving the way to a Debt Free Tommorrow” Darran Manikam NCRDC704 Tel: (031) 409 9379 Fax: (031) 409 1327 Cell: 0845898286 Branches: Phoenix and Shallcross Indigo debt counsellors CC Tel: 087 808 9734 Fax: 086 580 8675 indigodc@iburst.co.za MG Consulting Strand - Helderberg Area Telkom : 021 853 4537 Mobile Phone: 082 450 7459 Fax Number: 0866 220 690 E-Mail: info@mgconsulting www.mgconsulting.co.za

Holistic Debt Counsellors info@holisticdc.co.za Helpdesk Debt Counsellors Allan Hoffman Tel: 0861 000 754 Help-U-Debt (Vaal Triangle) Wanine Tel: 082 445 3967

Mzansi Debt Counselling Octavia Hlatshwayo Tel: 011 868 1185 Fax: 0861 00 22 70 octavia@mzansidc.co.za www.mzansidc.co.za

NCR DEBT (PTY) LTD National Counselling and Review of debt Amelia Hayward Tel: (012) 364 2490 Cell: 0877 201 057 amelia@ncrdebt.co.za www.ncrdebt.co.za NDA Debt Counsellors Your Trusted Debt Counsellors Gary Williams (NCRDC 143) Tel: 034 315 3880 Fax: 086 612 4112 gary@ndad.co.za www.ndad.co.za

New Deal Debt Counselling Jason Riley (NCRDC868) B.Com (Financial Management) Cell 0723792108 Fax 0866628789 info@newdeal.org.za www.newdeal.org.za SFA Debt Relief Consultants Adri de Bruyn NCRDC998 11 Market Street / Markstraat 11, Paarl, 7646 Tel: 021 872 1968 Fax: 021 872 2678 adri@sfadebtrelief.co.za

Penny Wise Debt Counselling Cathy Foster Debt Counsellor - NCRDC1977 Tel: (011) 794 9912 Fax: 086 719 3378 Mobile: 083 298 4467 Email: cathy@pennywise.co.za www.pennywise.co.za

SUPPORT SERVICES

FINANCIAL

Staff Line Ndizani Executive Recruitment Cell: 083 3028163 Tel: (011) 468 - 2150 saki@staffline.co.za

ABSA Customer Debt Repair Line 0861 005 901

Experian 011 799-3400 debtcounsel@experian.co.za

Rihanyo Debt Counselling (012) 804 50 57

Information resources & services www.thedci.co.za

Think Green Debt Counselling Sandi Pauw sandipauw@mweb.co.za Tel : 012 991 6638 Cell : 082 460 7800 Fax : 086 219 2615

Designtimes South Africa’s creative resource www.designtimes.co.za

U-Win Debt Counsellors Coreli Roos - NCR DC 509 Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, Springfontein Cell:079 626 66241 croos@global.co.za

Compuscan Academy 0861 51 41 31 www.compuscanacademy.co.za

Zuné Coetzer Debt Counsellors NCRDC 1599 24 van der Stel Street, Dan Pienaar Bloemfontein Tel: 051-4364515 Fax: 086 5870 845 Email: zunecoetzer1@gmail.com

Credit Ombudsman 0861 662837

TRAINING

You & Your Money NCR ACCREDITED DEBT COUNSELLOR TRAINING COURSES: Training and mentoring since 2007 Want to make a contribution as a registered debt counsellor? Need to empower and upskill staff in your debt counselling business? Courses devised to suit all needs: Flexible timeframes to accommodate workflows. On site/inhouse training for staff. Contact Dawn Jackson Dawnjackson.training@telkomsa.net

Cell: 072 1769789

Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 Fair Debt 0829019788 or 012-3772558 ray@fairdebt.co.za PACFIN Financial Solutions Head Office Tel: +27 11 9757445 Fax: 0865368783 36 Van Riebeeck road Kempton Park 1619 pieter@pacfin.co.za Monte Carlo Building No 8 Voortrekkerstreet Kempton Park 1619 Kempton Park Contact: Reyno Coetzee Tel: +27 11 3945363 Fax: 0866048002 Cell: +27 73 3690884 kemptonpark@pacfin.co.za Boksburg / Germiston Contact: Armand Posthumus Tel: +27 11 8921911 Fax: 0865620378

Holistic Debt Counsellors info@holisticdc.co.za Helpdesk Debt Counsellors Allan Hoffman Tel: 0861 000 754 Help-U-Debt (Vaal Triangle) Wanine Tel: 082 445 3967

Mzansi Debt Counselling Octavia Hlatshwayo Tel: 011 868 1185 Fax: 0861 00 22 70 octavia@mzansidc.co.za www.mzansidc.co.za

Penny Wise Debt Counselling Cathy Foster Debt Counsellor - NCRDC1977 Tel: (011) 794 9912 Fax: 086 719 3378 Mobile: 083 298 4467 Email: cathy@pennywise.co.za www.pennywise.co.za

SUPPORT SERVICES

FINANCIAL

Staff Line Ndizani Executive Recruitment Cell: 083 3028163 Tel: (011) 468 - 2150 saki@staffline.co.za

ABSA Customer Debt Repair Line 0861 005 901

Experian 011 799-3400 debtcounsel@experian.co.za

Rihanyo Debt Counselling (012) 804 50 57

Information resources & services www.thedci.co.za

Think Green Debt Counselling Sandi Pauw sandipauw@mweb.co.za Tel : 012 991 6638 Cell : 082 460 7800 Fax : 086 219 2615

Designtimes South Africa’s creative resource www.designtimes.co.za

U-Win Debt Counsellors Coreli Roos - NCR DC 509 Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, Springfontein Cell:079 626 66241 croos@global.co.za

Compuscan Academy 0861 51 41 31 www.compuscanacademy.co.za

Zuné Coetzer Debt Counsellors NCRDC 1599 24 van der Stel Street, Dan Pienaar Bloemfontein Tel: 051-4364515 Fax: 086 5870 845 Email: zunecoetzer1@gmail.com

Credit Ombudsman 0861 662837

TRAINING

Cell: 072 1769789

SERVICE DIRECTORY Nelspruit Contact: Ann Baker Tel: +27 13 7415559 Fax: 0880 1374 15559 Cell: +27 82 9024236 jeleroux@telkomsa.net Springs Contact: Wynand Mclachlan Tel: +27 11 8113728 Fax: +27 11 8113728 Cell: +27 83 2754014/5 wynmc@telkomsa.net Gooseberry Business Advisory Tel: 012 644 0589 Nedbank Debt Rehabilitation & Recoveries Services 0860 109 279 STD Bank Debt review Helpline Telephone: 0861 111 402 TransUnion 0861 482 482

FINANCIAL PLANNING Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 LEGAL

O’Connell & Associates Attorneys at Law Keegan O’Connell k.oconnell@oalaw.co.za Tel 021 462 1663 Fax 0866 504 550 303 Millborough, 70A Upper Mill Street, Vreedehoek, Cape Town, 8000

Karen van Staden Prinsloo & Associates Tel: 012 998 9117 / 012 993 2132 Attorneys and conveyancers Fax: 086 721 6467 / 086 662 1153 Nanika Prinsloo Email: karen@hauptearle.co.za Is it time to expand your Debt Counselling Farm Bergamot, Paarl 7620 office@hauptearle.co.za practice? P O Box 6199, Paarl 7620 www.hauptearle.co.za Do you need specialist Attorneys with a national 14 Laing Street, Barrydale 6750 footprint? Cell: 072-8558-106 Do you need expert advice on how to protect Fax: 086-623-5986 your practice and your clients? nanika@vodamail.co.za Are you informed about recent statutory and www.empowerlaw.co.za legal developments within the industry?

RM Brown and Associates Thinkmoney 601 Pier House, Liddles & Associates Financial comparison website “It always seems impossible until it Attorneys servicing individual needs13 -17 Heerengracht, Contact: Gareth Mountain Cape Town is done” N. Mandela Tel: 079 0996 798 Tel: 021 431 9127, f: 021 425 0875 Tel: 021 913 2514 Pretoria: +27(0)12 998 9117 www.hauptearle.co.za Nelspruit: +27 (0)13 752 7084 www.thinkmoney.co.za Email: oliver@rmbrown.co.za Fax: 0866070940 Email: info@liddles.co.za WIZARD Vereeniging Scheepers Attorneys PO Box 3407, tygervalley, 7536 Making Mortgage Magic Gerhard Scheepers 7 Chenin Blanc Street, Oude Wanine Smit schlaw@iburst.co.za Westhof Tel:+27 16 454 1132 Fax:+27 86 686 3678 LUCID Attorneys Cell:+27 82 445 3967 Tel: 011 880 1100 www.wizard.za.com Fax: 011 880 1101 Email: info@lucidsa.com www.lucidliving.co.za/attorney

Agiliti CC Colleen Van Wyk(BCom, LLB) Tel: 083 290 0848 Tel: 011 740 7374 Fax: 086 716 9694 Website: http://agiliti.co.za CREDIT BUREAUS Steyn Coetzee Attorneys / Prokureurs Adri de Bruyn 11 Market Street / Markstraat 11, Paarl, 7646 Tel: 021 872 1968 Fax: 021 872 2678 adri@steyncoetzee.co.za

Thinus Dreyer Candidate Attorney Office: 011 326 0347 Office Cell: 071 658 9438 Cell: 082 471 3625 Fax: 086 509 3548 thinus@stokesattorneys.co.za Thomson Wilks inc. Meet Thomson Wilks Meet Excellence Tel 021 671 6935 / 021 820 4319 / 021 424 4599 Cell 072 554 0935 Fax 086 570 8741 Website www.thomsonwilks.co.za Suite 14, 3rd Floor, SunClare Building, Dreyer Street, Claremont, 7708 The Chambers, 3rd Floor, 50 Keerom Street, Cape Town, 8001

Compuscan 0861 514 131 www.compuscan.co.za Experian www.experian.co.za Consumer- 0861 10 5665 TransUnion 0861 886 466 www.transunion.co.za XDS 0860 937 000 www.xds.co.za

FINANCIAL PLANNING Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 LEGAL

O’Connell & Associates Attorneys at Law Keegan O’Connell k.oconnell@oalaw.co.za Tel 021 462 1663 Fax 0866 504 550 303 Millborough, 70A Upper Mill Street, Vreedehoek, Cape Town, 8000

Compuscan 0861 514 131 www.compuscan.co.za Experian www.experian.co.za Consumer- 0861 10 5665 TransUnion 0861 886 466 www.transunion.co.za XDS 0860 937 000 www.xds.co.za

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